Kapiolani Loan Center, Honolulu

Kapiolani Mortgage & Home Loan Center in Honolulu, HI

The American Savings Bank Kapiolani loan and mortgage center is located on the second floor of the Pan Am Building in Honolulu, HI. On the corner of Kapiolani Blvd and Kaheka Street, our Kapiolani loan center provides home loans and refinancing options to get you competitive rates and loan terms. Our Kapiolani loan center is conveniently located to help you secure a home loan in Honolulu.

At the ASB mortgage and home loan center, we provide a range of options for your mortgage in Honolulu. Whether you are looking for your first home or are ready to upgrade to the ultimate dream home, ASB can help you find the mortgage option that fits your situation. First Time Home Buyer options feature programs like the State of Hawaii Mortgage Credit Certificate (MCC). This government-sponsored program reduces the amount of federal income tax you are required to pay. This allows you more income to qualify for a mortgage and more money to put towards your house payments.

Military veterans looking for mortgage loans in Honolulu may consider a US Department of Veteran's Affair Loan (VA loan) from ASB. A VA loan helps veterans and eligible servicemembers get the home of their dreams and can be used to purchase a new home or refinance an existing home mortgage. Additionally, with a VA loan, you may be able to finance up to 100% of your home purchase price or appraised value. If you are a veteran, be sure to speak with a mortgage loan officer in Honolulu to see if a VA loan is right for you.

If you already own your dream home but want to see if you can get better loan terms on your mortgage in Honolulu, stop by our Kapiolani loan center. We provide refinancing options for Hawaii homes. Refinancing an existing home can be a great way to lower your monthly payment or getting a better interest rate. A Cashout Refinance allows you to take advantage of the equity in your home so you have more money available to you. You can then use the funds from your cashout to pay for home improvements or other major planned expenses.

MEET OUR KAPIOLANI MORTGAGE LOAN OFFICERS

When you’re looking for home loans in Honolulu, you need a local mortgage team that knows the Honolulu area. Visit our friendly Kapiolani mortgage loan officers to help you start funding your dream home in Hawaii. We know that the process of funding a home purchase or refinancing is confusing to most. Our loan team is made up of knowledgeable mortgage and home loan experts. They’ll answer your questions and walk you through the home loan process. The ASB loan officers can help you get competitive home loans in Honolulu for you and your family. Our loan officers have the local expertise you need to efficiently secure financing and navigate the Honolulu real estate market.

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Friday: 9:00 a.m. to 5:00 p.m.
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1600 Kapiolani Boulevard, 2nd Floor
Honolulu, HI 96814
Phone: (808) 627-6900

Corner of Kapiolani Blvd and Kaheka Street
Pan Am Bldg. Ground Floor across Don Quijote

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Guide to College Savings

May 08, 2019 | 5 min read N/A

Worried about how you’ll be able to afford your child’s higher education? You’re not alone! With tuition costs rising year after year, many families are concerned with how they can send their kids to college.

According to a Value Penguin report, the average cost for a public, in-state university is over $25,000 per year. For a private college, that cost jumps to over $50,000, including tuition, room and board, and other fees. As a parent, the idea of paying for college is downright nerve-racking. With proper financial planning, however, you can help secure your child’s future education.

At American Savings Bank, we want you to know that you’re not alone in your worries about college. To make this process easier, we’ve put together some tips on different college savings accounts. Use our guide to financial planning for college expenses to save for your child’s future.

WHEN SHOULD I START SAVING FOR COLLEGE?

Like many long-term financial goals, the earlier you can start saving for your child’s college, the better. Every small amount you put towards paying for college contributes to your overall savings.

SAVINGS ACCOUNTS

A standard savings account offers one of the most straightforward methods of saving for college. The benefit, of course, is that a savings account is likely much safer than storing cash elsewhere, such as in your home. With a savings account, the money you put into the account earns interest. Over time, this interest can add up.

A savings account can be a good starting point in your financial planning for college. Unlike accounts dedicated to education funding, a savings account doesn’t have limitations on how the money can be used.

CERTIFICATE OF DEPOSIT (CD)

Much like a savings account, a Certificate of Deposit (CD) allows you to put money into an account that earns interest too. The return rate for a CD is usually higher than a savings account, and your interest rate is fixed, meaning it won’t change during the term of the CD. The major difference between CDs and typical savings accounts is that CDs have maturity terms. When you open a CD, you can choose how long you want to keep the money in the account.

SECTION 529 COLLEGE SAVINGS PLAN

Designed for college savings, 529 plans provide a great way to save for college expenses as part of your financial planning strategy. These plans may offer more risk than a typical savings account because they are investment accounts. The advantage to this risk, however, is the ability to take money out tax-free, including investment gains, for qualified education expenses. Please visit hi529.com.

Before investing in a 529 plan, investors should carefully consider whether the investor’s or beneficiary’s home state offers any state tax or other benefits available only from that state’s 529 plan.

COVERDELL EDUCATION SAVINGS ACCOUNTS (CESA)

Coverdell Education Savings Accounts, or CESA, provide similar benefits to a 529 savings account. Anyone is allowed to contribute to a CESA. That means you can have relatives contribute to your child’s education fund as a birthday or other gift. There are annual contribution limits. The plus side to this is that contributions grow tax-free. You can also withdraw funds tax-free so long as the money is used for a qualified education expense. Money in a CESA must be used by age 30, but any unused funds can be rolled over without penalty to another family member that’s under 30.

CUSTODIAL ACCOUNTS

Custodial accounts under the Uniform Transfer to Minor Act (UTMA) and Uniform Gift to Minors Act (UGMA) are not designed only for college savings. Though the account is set up in your child’s name, you are in control of the funds until your child reaches a certain age (21 for UTMA and 18 for UGMA). Unlike 529 accounts or CESAs, you don’t have to use the money for education expenses. A withdrawal can be made for any expenses that benefit your child.

FINANCIAL PLANNING FOR COLLEGE EDUCATION

If you have young children or are getting ready to start a family, make college planning a part of your overall financial planning strategy. Worried about saving for your child’s future? Speak with one of our knowledgeable American Savings Investment Services* financial planning consultants about education planning. We’ll help you prepare for the cost of college, setting you and your children up for future financial success.

Please consult your tax advisor for more information regarding your individual situation.

*Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Registered address and phone number: 300 North Beretania Street, Honolulu, HI 96817, (808) 735-1717.

NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT A BANK DEPOSIT.

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What Are the Advantages of Building Credit?

May 09, 2019 | 5 min read N/A

Carrying some manageable debt is necessary for building credit. Your credit score has a big impact on your ability to finance big purchases. Knowing how to build credit and maintain a good credit score can help set you up for financial success in the future.

You might think your credit score isn’t important, or that building your score is too difficult to manage. Lucky for you, we’ve included a few tips below to help you build a high credit score – which can be instrumental in helping you buy your first house or finance a new car.

ADVANTAGES OF A HIGH CREDIT SCORE

Unless you have an unlimited supply of cash, a high credit score can help you pay for many of life’s big events. Securing a great interest rate on a loan is a lot easier if you have a credit history and have built a high credit score. There are many different situations where a solid credit score can give you an advantage, including:

BIG PURCHASES

Have you thought about buying a house someday? Or, are you looking to purchase a new car? Both of these purchases likely require financing. Having a high credit score is essential. When you’re taking out a loan for a major purchase, your credit score is used by your lender to determine if you’re responsible enough to pay back the loan on time. Plus, good credit generally gives you access to better loan rates than if you have a bad credit score.

CREDIT CARDS

Much like a loan for a new car, buying a house, or making a big purchase with a personal loan, your credit score affects your approval and interest rates for credit cards. Many credit cards with rewards, for example, require good credit. With a high credit score, you may also be approved for a higher credit limit on a new credit card.

OTHER PERKS TO GOOD CREDIT

While getting the best interest rate available is a great advantage to a high credit score, there are some perks that are often overlooked. For example, a high credit score may help you qualify for lower car insurance rates. Credit is one of the factors that many insurance providers take into account when giving you an auto insurance quote. With good credit, you may also get an easier approval when renting an apartment. Once you’ve moved into that new apartment, a high credit score can reduce or eliminate the deposit you have to pay to set up utilities in your name.

WAYS TO START BUILDING CREDIT

If you’re starting from scratch, building credit can seem almost impossible. To get good credit, you need some form of a loan or credit line. You can use the following strategies to build credit if you don’t have a credit history.

SECURED CREDIT CARDS

Without a credit history, or if you are rebuilding your credit history, it can be hard to get approved for a credit card. Secured credit cards, unlike other credit cards, can be a good start. A secured card requires a cash deposit to open. This deposit is retained as collateral in case you default on payments on your credit card. Generally, the amount of your deposit is your credit limit for your new credit card. Once you’re approved for a secured card, you use it just the same as a regular credit card, making sure to pay the full balance each month.

FIND A CO-SIGNER

Sometimes you may need cash to pay for something when you don’t have an established credit history. When this happens, a co-signer can help you get the money you need and build your credit. A co-signer is someone with good credit who agrees to pay your loan or debts if you don’t make payments. Many young adults have their parents or grandparents co-sign on their loan. As long as you make your payments on time, your co-signer will not be responsible for any of your debts.

A similar method to finding a co-signer for building credit is to become an authorized user on someone else’s credit card. If you’re in college, for example, your parents may add you as an authorized user on their credit card. You’ll get your own card, but your parent will be responsible for paying the bill each month. Many families use this method to build credit for their children. Parents often require their children to pay them back for their monthly purchases.

RENT AND UTILITIES

You may be able to build a positive credit history by making on-time rent and utility payments. There are several companies that allow you to record your rent payments. These are sent to the credit reporting agencies. Several months or years of on-time rent payments can help demonstrate that you make monthly payments reliably.

HOW TO MAINTAIN A GOOD CREDIT SCORE

You’ve finally built up a good credit score, but how do you maintain that score? The most important factor in keeping your good credit score is to make payments on time and in full. If you regularly use your credit card, for example, make sure to pay the full balance before it’s due. Likewise, make your loan payments on time each month. Getting behind on payments can quickly decrease your credit score.

You can also maintain a high credit score by not taking out too many loans or having too many credit cards. Each time you take out a new loan or open a new credit card, you will receive an inquiry on your credit history. Multiple credit inquiries can have a negative effect on your credit score.

LEARN MORE ABOUT BUILDING CREDIT
Building credit doesn’t have to be confusing or difficult. Knowing how to build your credit score can help you establish healthy financial habits for the future. Stop by one of our convenient branch locations to speak with an ASB teammate and start building your credit history today.

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What's a Health Care Directive?

May 01, 2019 | 5 min read N/A

Planning ahead is an important part of life. Many of us plan ahead for exciting major life events like buying a home or retirement. It’s also important, however, to plan for the unexpected. Deciding what advance health care decisions you prefer if you become unable to make them for yourself is daunting, to say the least. In addition to being a difficult topic to think about, there’s also a lot of confusing medical and legal language involved.

At American Savings Bank, we know that you don’t want to spend any more time than you have to on complicated matters like this. We’ve put together a list of suggested go-to tips to help you better understand your options when it comes to advance care directives. But, first and foremost, we strongly recommend speaking with your attorney before making these important decisions.

WHAT ARE ADVANCE DIRECTIVES?

You may have heard the term “living will” before. A living will is your declaration of what types of treatments or medical procedures you will or won’t accept if you become unable to make these decisions for yourself. These personal instructions for end-of-life care generally include instructions for the administration of pain medications or the use of treatments to prolong life without a chance for recovery.

If you’re confused by the term, you’re not alone. To prevent confusion among Hawaii residents, the State of Hawaii stopped using the term “living will” and instead uses the term “individual instruction.” Individual instructions are only one part of an advance health care directive. Health care directives can be legal documents or oral instructions, usually given to your doctor to be included in your medical records. They cover your individual instructions for end-of-life treatment as well as other important health care concerns, such as appointing a person of your choice to make decisions for you.

OTHER TYPES OF ADVANCE HEALTH CARE DIRECTIVES

Your health care directive lets you state exactly what your end-of-life decisions are even if you can’t communicate those wishes in the future. In addition to your individual instructions, or living will, your directive can include:

DURABLE POWER OF ATTORNEY FOR HEALTH CARE: A legal document that appoints a person of your choice to make decisions on your behalf if you are unable. Known as your “health care agent,” many Hawaii residents think this person must be your attorney. This isn’t true; your “health care agent” can be anyone you trust. Many people choose to appoint their adult child, spouse, or trusted family friend. Generally, the only restriction in choosing an agent is that the person can’t be an owner or employee of the medical facilities where you wish to receive care unless you are related.
PROVIDER ORDERS FOR LIFE SUSTAINING TREATMENT (POLST): Not technically a health care directive, POLST are provided in a form signed by a physician or Advanced Practice Registered Nurse (APRN) and used for immediate action. Generally, a POLST form is used as a summary of sorts that details what is included in a person’s advance health care directive. When a medical decision needs to be made, the instructions from a health care directive are documented on the POLST form. The form allows medical professionals to act upon your wishes right away.
DO NOT RESUSCITATE (DNR) ORDER: A health care order made to a doctor or other medical professionals, such as emergency crews, refusing CPR in the event a person has stopped breathing or is suffering a heart attack. DNR orders can be made by a health care agent or, if the patient is able to communicate, by the patient themselves in an emergency. Many people who wish to include a DNR order add it to their health care directive so that the decision is made well before an emergency takes place.
ORGAN DONATION: Unlike other health care directives, organ donation is generally made through the Department of Motor Vehicles. You can choose to become an organ donor when you apply for or renew your driver’s license. If a person has specific wishes for their body or organs, they can include additional instructions on their health care directive document.

HOW TO CREATE HEALTH CARE DIRECTIVES IN HAWAII

Though it can be tedious to go through the legal language used in advance directives, it should be an important part of your life planning process. Fortunately, Hawaii has made it easy to create your own health care directive. The state provides a fillable form that can be downloaded and completed on your computer. They also include a checklist so that you know you’re on the right track to creating a legally accurate directive.

Be sure to speak with your attorney about your health care directive options. As you think about your end-of-life treatment wishes, be sure to remember the financial aspect of health care planning. A life insurance or long-term care policy may help your family members pay for the treatment you wish to receive. Planning for the end of your life can be uncomfortable, but remember that by making these decisions now, you will save your family from difficult decisions in the future.

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In the Spirit of “Building” a Stronger Community, ASB Donates Nearly $320,000 to 15 Local Nonprofits

April 29, 2019 | 5 min read N/A

HONOLULU, HI – American Savings Bank (ASB) today announced that in the first quarter of 2019, it donated $318,133 to 15 nonprofit organizations in the state of Hawai‘i. The majority of the funds were raised through ASB’s 2019 Kahiau Giving Campaign, an annual workplace giving program that benefits local community organizations.

In the Hawaiian language, “kahiau” means “to give from the heart without expecting anything in return.” This meaning translated well in the bank’s 2019 Kahiau Giving Campaign, during which the LEGO-themed workplace fundraiser generated a total of $170,633 – matched with an additional $100,000 from ASB. The campaign also broke a company record – with an astonishing 95 percent of the bank’s 1,100+ teammates participating.

Trulli — *ASB teammates presented their donation to Kahiau Giving Campaign beneficiaries at the bank’s new Campus.*

“Our teammates truly showed the power of coming together around a good cause with a phenomenal 95 percent turnout for our 2019 Kahiau Giving Campaign,” said Rich Wacker, president and CEO of ASB. “These gifts further our continued support for these community-based organizations and the life-changing services they provide to the people of Hawai‘i.”

The Kahiau funds were donated to Child & Family Service, Kapi‘olani Health Foundation, Kupu, Partners in Development Foundation and United Way. In addition to these monetary gifts, ASB supports its Kahiau Community Partners year-round through the bank’s Seeds of Service volunteer program and financial literacy workshops.

In addition to the gifts made through the Kahiau Giving Campaign, ASB announced grants to several other community organizations: Education Incubator in partnership with Superpower Academy (supporting a program with Kamiloiki Elementary School, an ASB Bank for Education ‘Ohana School), Habitat for Humanity Hawai‘i Island, Island School (an ASB Bank for Education ’Ohana School), Maui Youth and Family Services, One Shared Future in partnership with Child & Family Service, and Pacific and Asian Affairs Council, to support four Bank for Education ‘Ohana Schools.

ASB supports initiatives that promote educational excellence and financial literacy, strengthen families and foster innovation and entrepreneurship through donations, sponsorships, grants, scholarships, internships and volunteerism. In total, ASB has donated millions of dollars to Hawai‘i’s nonprofits and community organizations, including nearly $2 million raised through the Kahiau Giving Campaign since 2011.

ASB’s gift recipients include:

Aloha United Way
Child & Family Service
Education Incubator/Superpower Academy/Kamiloiki Elementary
Friendly Isle United Fund
Habitat for Humanity Hawai‘i Island
Hawai‘i Island United Way
Island School Capital Campaign
Kaua‘i United Way
Kapi‘olani Health Foundation*
Kupu
Maui United Way
Maui Youth and Family Services
One Shared Future/Child & Family Service
Pacific & Asian Affairs Council
Partners in Development Foundation*
Kahiau Partner

About American Savings Bank
American Savings Bank (ASB) has been serving Hawai‘i’s businesses and communities since 1925 and currently provides a full range of financial products and services, including business and consumer banking, home loans, insurance and investments. ASB is one of Hawai‘i’s leading financial institutions, with e-banking services and branch locations throughout the state offering evening, weekend and holiday hours. ASB provides Hawai‘i’s consumers and businesses with more extended weekday and weekend hours than other similarly sized local banks, as well as convenient in-store branches. ASB was the first Hawaii bank to introduce remote-deposit capture with a mobile banking application.

ASB matches its exceptional customer experience with an employee experience that has garnered local and national awards. ASB has been recognized nationally as one of the “Best Banks to Work For” by American Banker Magazine and locally as one of the “Best Places to Work” by Hawai‘i Business Magazine for 10 consecutive years and honored nationally as one of the “Best Banks to Work For” by American Banker Magazine. Fortune Magazine has recognized ASB as one of the 100 Best Workplaces for Women and 50 Best Workplaces for Diversity. For more than 90 years, ASB has been helping build strong communities. Through its Seeds of Service program, ASB teammates have contributed nearly 48,000 hours of volunteer service, and ASB has donated millions of dollars to Hawai‘i’s nonprofits and community organizations. For more information, visit https://www.asbhawaii.com/ or follow American Savings Bank on Facebook, Instagram and LinkedIn.

Media Contact

Karwin Sui
Communications Manager
(808) 539-7268
ksui@asbhawaii.com

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How to Save for a Rainy Day

April 24, 2019 | 5 min read N/A

A sudden, unexpected expense can really put a damper on your mental wellbeing. In fact, in a 2017 study by the Federal Reserve, 40% of Americans said they wouldn’t be able to pay for an unexpected $400 expense.

So, how can you avoid being part of that 40%? Consider creating a rainy day fund so that you’re ready for the unexpected. Of course, we at American Savings Bank know that’s easier said than done. That’s why we’ve put together this list of actionable steps you can use to start your own rainy-day fund today!

WHAT’S A RAINY-DAY FUND?

First thing’s first when building a rainy-day fund: what is it exactly? Your idea of a rainy-day fund might be slightly different than your neighbor’s. The important part is to determine how you would use this fund for you and your family.

Some people like to consider a rainy-day fund and emergency fund as two separate entities for saving. Usually, if you keep your rainy-day money and emergency money separate, you use the rainy-day fund for smaller expenses and the emergency fund only in serious financial emergencies. For example, let’s say your refrigerator stops working. You call a repair company and they tell you they can fix it for $350. This is money you would probably take out of your rainy-day fund. On the other hand, if you suddenly lost your job and needed to cover a couple months’ worth of expenses, you probably need to take money out of your emergency fund.

Alternatively, you can choose to use your rainy-day fund and emergency fund as one savings account. You’ll want to keep enough money in the single account to cover both big and small unexpected expenses. No matter what approach you choose for your family’s rainy-day fund, the most important part is that you work to build savings for sudden expenses.

SET SAVINGS GOALS

The best way to save for a rainy day is to think about how much you want to save and a timeframe for saving up. Sit down with your family and look at the past year’s unexpected expenses or potential upcoming expenses. Do you have an older car or appliance that might need repair work soon? Do your children play sports and you’re concerned about unexpected medical bills due to injuries? Think about these things to determine approximately how much you might need to save.

Once you have an amount in mind, decide on your savings timeline. If, for example, you’re hoping to save $600 in the next year, you’ll need to put $50 a month into your rainy-day fund. It’s important to be realistic when deciding on a timeline for your rainy-day fund. You can make setting savings goals easier by taking a quick financial checkup to determine the health of your finances right now.

AUTOMATE SAVING

You’ve set a savings goal and have a timeline for your rainy-day fund, but how can you be sure that you and your family will reach these goals? An easy way to meet your savings goals is to automate your savings with an automatic transfer into your rainy-day fund. Automating your savings means you won’t have to worry about you or your family members being tempted to use the money that’s meant for a rainy day.

USE EXTRA CASH FOR YOUR RAINY-DAY FUND

Even if you’re sticking to your savings goals, having extra money is a good thing. Finding you have some extra cash at the end of the month after paying your bills? Go ahead and deposit it into your rainy-day fund. Not only will you reach your set goal sooner, but you’ll also end up saving more over the course of your savings timeline.

EXAMINE AND CUT YOUR EXPENSES

Have you taken a look at your expenses recently? Look over your expenses for the past month or two and see if there are any places where costs could be cut. Of course, some expenses can’t be cut down. Things like your mortgage payment or other loan payments are usually set expenses. On the other hand, you might be able to slim down how much you spend on smaller things. For example, instead of grabbing a coffee from the coffee shop each morning on your way to work, commit to taking a coffee from home even just three days a week. These small savings can quickly add up over time.

CREATE A RAINY-DAY FUND TODAY

Starting a rainy-day fund doesn’t have to be complicated. Use our simple tips to open a new savings account and start saving today. If you’re not sure what type of account is best for your family’s rainy-day fund, contact us to learn about our different savings account options. Our friendly ASB Dream Team can help you set up an account and get started!

Note: Please be aware that the effect of inflation over time could have an impact on your savings plans.

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